,i  #aad? ,,congress  #b;d ,session  ,h4
 ,r4 #feji  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,decemb] #h1 #bjaf,mr4
 ,heck ( ,wa%+ton introduc$ ! foll[+    
bill2 :i* 0 ref]r$ to ! ,committee on   
,vet]ans' ,affairs  ,a ,,bill  ,to am5d 
! ,s]vicememb]s ,civil ,relief ,act to  
improve ! submission ( pro( ( milit>y   
s]vice = purposes ( int]e/ rate         
limitations "u su* ,act4  #a4 ,%ort     
title ,?is ,act may be cit$ z !         
,soldi]'s ,help ,obta9+ ,negotiat$      
,rates ,act or ! ,solid]'s ,,honr ,act4 
#b4 ,pro( ( p]iod ( milit>y s]vice =    
purposes ( int]e/ rate limitation "u !  
,s]vicememb]s ,civil ,relief ,act       
,section #bjg7;b77#a7 ( ! ,s]vicememb]s 
,civil ,relief ,act 7#ej ,u4,s4,c4      
#cicg7;b77#a77 is am5d$ to read z       
foll[s3  7#a7 ,pro( ( milit>y s]vice    
7,a7 ,9 g5]al ,n lat] ?an #ahj days aft]
 ! date ( a s]vicememb]'s t]m9ation or  
release f milit>y s]vice1 9 ord] = an   
obligation or liability ( ! s]vicememb] 
to be subject to ! int]e/ rate          

limitation 9 subsection 7a71 !          
s]vicememb] %all provide to ! cr$itor   
writt5 notice & a copy (--  7i7 !       
milit>y ord]s call+ ! s]vicememb] to    
milit>y s]vice & any ord]s fur!r ext5d+ 
milit>y s]vice2 or  7ii7 any o!r        
appropriate indicator ( milit>y s]vice1 
includ+ a c]tifi$ lett] f a comm&+      
(fic]4  7,b7 ,indep5d5t v]ification by  
cr$itor  7i7 ,9 g5]al ,reg>dless ( :e!r 
a s]vicememb] has provid$ to a cr$itor !
 writt5 notice & docum5tation "u        
subp>agraph 7,a71 ! cr$itor may use1 9  
lieu ( su* notice & docum5tation1       
in=mation retriev$ f ! ,def5se ,manp[]  
,database ,c5t] ?r\gh ! cr$itor's normal
 bus9ess reviews ( ! ,database ,c5t] =  
purposes ( obta9+ in=mation indicat+ t !
 s]vicememb] is on active duty4  7ii7   
,safe h>bor ,a cr$itor t uses !         
in=mation retriev$ f ! ,def5se ,manp[]  
,database ,c5t] "u clause 7i7 ) respect 
to a s]vicememb] has n fail$ to treat ! 
debt ( ! s]vicememb] 9 accordance )     
subsection 7a7 if--  7,i7 su* in=mation 

indicates t1 on ! date ! cr$itor        
retrieves su* in=mation1 ! s]vicememb]  
is n on active duty2 &  7,,ii7 ! cr$itor
 has n1 z ( su* date1 receiv$ ! writt5  
notice & docum5tation requir$ "u        
subp>agraph 7,a7 ) respect to !         
s]vicememb]4  4